Mortgage Services

Finding the right mortgage starts with the right advice. That's what we're here for.

Our Mortgage Services

Finding the right mortgage shouldn't feel like a battle. But in a market full of products that look similar but aren't, it's easy to feel like you're navigating it blind.

That's what we're here for. Whether you're buying your first home, moving up the ladder, remortgaging, or investing in property, our advisers will search the market properly, explain your options clearly, and make sure you end up with a mortgage that fits your circumstances.

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Find Your Perfect Mortgage

Whatever your needs, we have the expertise to help you secure the right mortgage. The types of mortgages we offer include:

First-Time Buyers

Buying your first home is one of the biggest financial decisions you'll ever make, and it comes with a lot of moving parts. Our role is to cut through the complexity, explaining what you can borrow, what it'll cost, and what your options are. We can access products across the whole market to make sure you start your home ownership journey on the best possible terms.

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Home Movers

Moving home is exciting. The admin that comes with your mortgage, less so. Whether you're upsizing, downsizing or relocating, the decisions you make now can have a real impact on your costs further down the line. We'll review your current mortgage terms, assess any early repayment charges, and identify the best options for your next move.

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Remortgages

If your current mortgage deal is ending or you're already on a standard variable rate, there's a good chance you're paying more than you need to. We'll search the market for competitive deals that match your circumstances, including rates not always available directly from lenders, to ensure you're making a fully informed decision.

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Buy-to-Let Mortgages

Buy-to-let lending is more nuanced than residential borrowing, and the right mortgage depends on more than the rate alone. Our brokers are experienced across the full range of buy-to-let lending, and we'll help you understand the implications before you commit. Note, some buy-to-let mortgages aren't regulated by the Financial Conduct Authority.

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Specialist Lending

Not every borrower fits a lender's standard criteria, and that's exactly where we can help.

We have the lender relationships and expertise to handle cases involving complex income, adverse credit, self-employment and non-standard properties, and we know how to present your circumstances to give your application the best possible chance of success.

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Why Choose FG & Cook?

Getting a mortgage is straightforward when everything lines up. We make sure it does. Here's what you get when you choose FG & Cook as your mortgage broker:

Over 50 years of mortgage market experience – Our team has been arranging mortgages since 1986. Our depth of experience means we know how lenders think, which ones to approach for which circumstances, and how to find a route through when others can't.
Surveying expertise most brokers don't have – Our RICS-qualified directors understand property, not just finance. When a survey throws up a problem or a lender down-values a property, we have the knowledge to respond and keep your application moving.
Access to thousands of products – We're not tied to a limited panel of lenders. We search the entire market to find the right deal for your circumstances, including products that aren't available if you approach lenders directly.
Personal attention – Your broker will stay with your case from the first conversation to completion, and beyond. You'll always know where things stand and always be able to speak to someone who knows your situation.
Honest, straightforward advice – We'll tell you what your options are, what we recommend and why, even if the answer isn't the one you were hoping for. That's what good advice looks like.

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